Ominously emblazoned with Chase and Visa logos, the pamphlet gives you a rundown on money-management nuts and bolts, such as saving (pay yourself first), budgeting (question your needs and wants), managing debt (admit you’ve got a spending problem), caregiving (establish power of attorney) and credit cards (load up on those tasty Chase Visa cards!)

That last one was a joke, but watching your parents — or especially yourself — barrel into retirement headfirst with no clue as to what they’re doing is just sad. So forward the link to anyone in need of a financial summer school crash course.